Home insurance

12
Found 26th May
Just been moving into our new house and the tv has been damaged my excess is 300 and the tv is worth about 500 any advice people?
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Just buy a new TV.

Did the TV cost £500 or is it worth £500. Big difference.
If it cost £500 a £400 TV will probably be better now anyway.
It cost 500 at Christmas just gone
Dean_Kelly5 m ago

It cost 500 at Christmas just gone


Buy the same TV and keep the broken one for spare parts just in case.
Don't claim as the price will go up. Tv's have become a lot cheaper now
Misslovely26 m ago

Don't claim as the price will go up. Tv's have become a lot cheaper now


i found that claims on home contents don't tend to increase after a claim like car insurance.
Can't you buy a used one for £300? Instead of giving that to the insurance company...
Self move or experts and "How Much Damage"?

If you have accidental cover New For Old, then claim if you feel it's worth it.
Claim against the movers PL if you used Pro's
Was a self move and the screen has cracked so can't see anything
Maybe consider getting repaired by a tv specialist?
"Accidental Damage" on a home contents insurance policy adds a fair lump to the premium - so if you're paying for it and never using it you're getting stung!

May be cheaper to make a claim - get paid say £100 for the residual value for the TV and then drop the accidental damage element on next years policy if you're unlikely to use it.

I personally use Home Insurance to cover me for major events only - I take large excesses on basic no frills policies and effectively self insure minor nuisance type events.
mutley118 h, 20 m ago

i found that claims on home contents don't tend to increase after a claim …i found that claims on home contents don't tend to increase after a claim like car insurance.


agreed

i claimed for a broken mobile phone - got £600 paid - premium went up £16 per year
What's the problem with the TV?
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